Champaign, IL · Charter 60583
NCUA · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in IL (n=50). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
42
Profitability
75
Liquidity
5
Efficiency
32
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Champaign, IL · Charter 60583
NCUA · 8 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.37% | 0.37% | 1.08% | 1.11% | +65 bps | |
| Return on Equity | 4.64% | 3.88% | 3.91% | 11.24% | 11.22% | +658 bps | |
| Net Interest Margin | 4.37% | 4.21% | 4.17% | 4.31% | 4.31% | -6 bps | |
| Efficiency Ratio | 81.42% | 82.23% | 82.29% | 78.48% | 79.97% | -145 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.25% | 12.25% | 11.40% | 7.50% | 8.94% | +369 bps | |
| Loan Growth (YoY) | 10.96% | 14.79% | 9.54% | 10.31% | 3.36% | -761 bps | |
| Share Growth (YoY) | 9.02% | 15.36% | 11.60% | 7.66% | 9.40% | +38 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 0.66% | 0.74% | 0.66% | 0.57% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.08% | 9.60% | 9.50% | 9.62% | 9.93% | -15 bps | |
| Net Worth / Assets | 10.08% | 9.60% | 9.50% | 9.62% | 9.93% | -15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.09% | 94.99% | 91.52% | 89.43% | 90.78% | -531 bps | |
| Liquid Assets / Assets | 0.00% | 99.68% | 99.45% | 99.42% | 0.00% | 0 bps | |
Champaign, IL · Charter 60583 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 8 branches
Q2 2026
Return on Assets
1.11%
Rank 20 of 50
Net Interest Margin
4.31%
Rank 10 of 50
Efficiency Ratio
79.97%
Rank 35 of 50
Equity / Assets
9.93%
Rank 43 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.11% | 0.49% | 0.97% | 1.35% | Beats 60% | 20 / 50 | |
| Return on Equity | 11.22% | 3.76% | 7.55% | 10.28% | Beats 86% | 7 / 50 | |
| Net Interest Margin | 4.31% | 3.15% | 3.72% | 4.20% | Beats 80% | 10 / 50 | |
| Efficiency Ratio | 79.97% | 67.18% | 75.90% | 80.66% | Beats 32% | 35 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.57% | 0.14% | 0.47% | 0.87% | Beats 42% | 30 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.93% | 10.68% | 13.50% | 16.38% | Beats 14% | 43 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.93% | 10.68% | 13.50% | 16.38% | Beats 14% | 43 / 50 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.78% | 55.23% | 70.87% | 80.60% | 84th pctl | 8 / 50 | |
| Loans / Assets | 81.71% | 43.53% | 60.64% | 68.47% | 96th pctl | 2 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||